Bankruptcy

Roseville Bankruptcy Lawyer Adam Garcia

 

Bankruptcy lawyer Adam Garcia represents clients in Roseville California.  In addition to serving clients in Sacramento, Adam Garcia has extended his bankruptcy services to encompass Roseville and surrounding areas.  Many residents in Roseville face foreclosure, wage garnishment, and disrupted income that prompts bankruptcy action.  To help residents of Roseville achieve debt relief Mr. Garcia represents clients in Roseville in chapter 7 bankruptcy and chapter 13 bankruptcy.   Bankruptcy information is located on rosevillebankruptcylawyer.us for those Roseville residents considering debt relief through consumer bankruptcy.

 

Many clients in Roseville are home owners who have fallen behind on their mortgage payments.  When these clients face foreclosure bankruptcy attorney Adam Garcia often advises chapter 13 bankruptcy as a course of action for saving the home from foreclosure.  In chapter 13 bankruptcy late mortgage payments are repaid over three to five years bringing the client out of delinquency. Once the repayment plan has been satisfied the debtor will no longer be in default on the loan.  Once current foreclosure proceedings cannot reinitate thereby allowing the client to save their home.  

 

Wage garnishemnt is another leading cause of bankruptcy in Roseville.  For those clients facing an earnings withholding order chapter 7 bankruptcy can stop the wage garnishment and eliminate the underlying debt.  Once a bankruptcy petition is filed with the Sacramento bankruptcy court the wage garnishment must cease pursuant to the automatic stay in bankruptcy.  (To learn more about the automatic stay see Section 362 of the Bankruptcy Code).  Once the wage garnishment has ceased the bankruptcy can continue to work its way through the court until a discharge order has been entered.  Upon issuance of the discharge order the underlying unsecured debt behind the earnings witholding ordering will be eliminated and pursuit of the debt will be barred by the discharge order itself.  Therefore, Roseville residents facing wage garnishment can pursue chapter 7 bankruptcy to achieve debt relief and eliminate wage garnishment.